It is possible that a copy of an appraisal report PDF is placed in the loan file and then a change is made subsequently and the new XML is forwarded on, but the file copy of the PDF is not replaced. These concerns are hopefully caught in a post-closing audit.

Again, a manual process is involved to provide a verification of the match between the enclosed PDF and the XML data. Care should be taken to ensure that proper controls are in place to track the version of the appraisal report and ensure its corresponding data representation are in synch with the status of the loan file and the status of a submission of the appraisal that may already be on file with the UCDP.